Search found 859 matches

by bayview
Tue Jan 03, 2017 6:29 am
Forum: Investing - Theory, News & General
Topic: How do you treat 401k Match for IRR Purposes?
Replies: 46
Views: 2097

Re: How do you treat 401k Match for IRR Purposes?

Tracking matches separately doesn't make sense to me. For instance, I max out my TSP, including catch-up. If another employee had the identical allocation but put in only enough to get the match, that match is a higher percentage of his/her contribution than mine. Does that mean that his/her portfol...
by bayview
Sun Jan 01, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: If you only have 20% in bonds...
Replies: 42
Views: 6855

Re: If you only have 20% in bonds...

I'm no longer "younger" (I wish), but we have all bonds in Treasuries, with a correspondingly higher allo to stocks, per Larry Swedroe's comments, in our risk portfolio (70/30.) In our much more conservative matching portfolio (25/75), I'm considering putting part of the fixed portion into...
by bayview
Sat Dec 31, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205164

Re: What are you up YTD? [Year To Date]

Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning. Beardstown accounting is real and accepted if one states that method was used. The Ladies neglected to mention that in their accounting and that lead to all the fun and games. There is...
by bayview
Sat Dec 31, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205164

Re: What are you up YTD? [Year To Date]

Still stubbornly using longinvest's https://www.bogleheads.org/wiki/Calculating_personal_returns , because it's consistent and makes sense, even though IRR gives a higher number. :D For newer members here, this method excludes contributions (and withdrawals), so it's returns, plain and simple. Trail...
by bayview
Thu Dec 29, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17443

Re: frustrating to keep investing in international/EM

We have our international (not much, currently 20% of equities) in small-cap international, VFSVX (VSS for ETF.) It has shown an interesting (to me) pattern of zigging when US is zagging, and I don't know if that's because it's international or because it's small. I chose to go with it because of th...
by bayview
Thu Dec 29, 2016 6:57 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7251

Re: How many of you invest 100% at Vanguard?

My TSP is at, well, TSP. :D Our rollover 401k's and Roths are at Vanguard. I don't have any temptation to spread them out among various brokerages. I will say that after some of the IT snafus at Vanguard, I now save + print out statements showing the number of shares in each account at Vanguard when...
by bayview
Fri Dec 23, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 185
Views: 42187

Re: [Why did my fund suddenly drop in value?]

Intermediate and Long Treasury funds did their distribution magic. Gave me quite a turn for a moment. :shock:
by bayview
Thu Dec 15, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: "Twenty Ways To Tell If You're A Lousy Investor"
Replies: 57
Views: 6202

Re: "Twenty Ways To Tell If You're A Lousy Investor"

Good grief. I look at my portfolio every day, out of curiosity. Sort of the same way that I stroll around my yard on summer evenings, looking at my garden. I don't yank out my plants, move them, plant new ones, etc. We have five whole funds (all index or nearly so, in the case of Treasuries) in Vang...
by bayview
Sun Dec 11, 2016 12:00 am
Forum: Investing - Theory, News & General
Topic: VT expense ratio dropped?
Replies: 22
Views: 2612

Re: VT expense ratio dropped?

From the Vanguard page on VTWSX: 1 Apple Inc. 2 Alphabet Inc. 3 Microsoft Corp. 4 Exxon Mobil Corp. 5 Johnson & Johnson 6 Amazon.com Inc. 7 Facebook Inc. 8 Berkshire Hathaway Inc. 9 General Electric Co. 10 JPMorgan Chase & Co. Isn't anyone perturbed that the top 10 stocks are US? Fund total ...
by bayview
Sat Dec 10, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5443

Re: What am I missing w/this back-tested asset allocation?

The problem with back-testing is that there is no assurance that history will repeat itself. Unless you have a time machine, you have no idea if you will see the same results. I pick my (limited number of) funds by what I expect them to do for our investments. Part of that expectation is based on hi...
by bayview
Sat Dec 10, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: To Use Vanguard PAS Or Not
Replies: 11
Views: 1372

Re: To Use Vanguard PAS Or Not

This is just my short-term personal opinion regarding the need for the PAS as we have only used V-guard's service for 19 months. If your goal is to simplify your portfolio, you can do that yourself with due diligence and a few mouse clicks. (Well, in your case more than a few. Why so many funds?) F...
by bayview
Tue Nov 22, 2016 6:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3305
Views: 812647

Re: U.S. stocks in freefall

Uncle Pennybags wrote:
just frank wrote:I have a hard time believing that there is a cadre of DIY investors reading Krugman's column twice a week and trading their investments based on it.

That's good, it keeps the market efficient; for every sucker seller there is a sucker buyer.

Or livesoft, picking up a few bargains on a RBD. 8-)
by bayview
Sat Nov 19, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard
Replies: 17
Views: 1768

Re: TSP or Vanguard

I can't imagine giving up access to the G fund. If nothing else, put all your bond allocation (and IMO, it should be higher) in TSP/G. Yes, the withdrawal restrictions are annoying, but they may change over time, and again, why would you give up access to the G fund? Edit to add: I'm about 4 1/2 yea...
by bayview
Sat Nov 19, 2016 9:35 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 20207

Re: Why are bonds dropping? They are supposed to be safe.

riptide wrote:Bonds have been dropping [recently...]
Why ? I thought they were a stable fixed investment.

Maybe you should move your bond allotment to your TSP account --> G fund.

It keeps creeping upward. Nothing spectacular, but always inching upward.
by bayview
Wed Nov 16, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: "Comedians' best lines of financial wisdom"
Replies: 20
Views: 3556

Re: "Comedians' best lines of financial wisdom"

This is in someone's signature line, I think:

"Don’t gamble; take all your savings and buy some good stock, and hold it till it goes up, then sell it. If it don’t go up, don’t buy it.” 8-) --Will Rogers
by bayview
Fri Nov 11, 2016 12:34 pm
Forum: Investing - Theory, News & General
Topic: FERS TSP contribution percentage: How to
Replies: 5
Views: 437

Re: FERS TSP contribution percentage: How to

I'm in FERS and TSP. I max out at $24,000 ($18k + catch-up.) That's around 38% of my salary. My agency contributes an additional 5%. There shouldn't be a percentage restriction in specific agencies. Which website is he using? When I was still increasing my contributions, I generally did it on the my...
by bayview
Fri Oct 28, 2016 5:29 am
Forum: Investing - Help with Personal Investments
Topic: In 15% tax bracket. Should we convert IRA to Roth IRA?
Replies: 17
Views: 1807

Re: In 15% tax bracket. Should we convert IRA to Roth IRA?

Depending upon how big your tIRA's grow, one benefit of converting to Roth, even if not in a high bracket at first glance, is that your RMD's will be lower. The income tax on your RMD's might push you into a higher tax on your SS income, and so forth.
by bayview
Sun Oct 23, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Aldi doesn't accept phone calls
Replies: 36
Views: 4382

Re: Aldi doesn't accept phone calls

I'd be pretty peevish if I had lost something during the course of a day and wanted to call places I'd been to find if it had been turned in...

I guess we should resign ourselves to the shrinking of customer service in the name of cost-savings. :(
by bayview
Sun Oct 23, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1229

Re: Another "replace car or not" decision

Do you think that you'll be putting more, fewer, or about the same number of miles on it after retirement?
by bayview
Sun Oct 23, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?
Replies: 39
Views: 2862

Re: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?

Since we don't need to withdraw for regular needs, we will draw down my TSP account, currently 83% G fund, over a 20-year period, somewhat matching the RMD's. We figure that we're more likely to travel and so forth during this 20 years, and whatever isn't used will be put into CD's and similar safe...
by bayview
Sat Oct 22, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?
Replies: 39
Views: 2862

Re: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?

I arrived at my target 30/70 stock/fixed-income AA in about 2007 by using the ability, willingness, and need to take risk paradigm that I learned about from Larry Swedroe's books. When I learned about the Liability Matching Portfolio / Risk Portfolio (LMP/RP) paradigm from William Bernstein's more ...
by bayview
Sat Sep 24, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3310

Re: Companion Dogs for an older person

What about a Corgi? It sounds like your mom can still handle the walks and all, but at least she's less likely to be knocked down by a Corgi-sized dog than a Lab. (I love both.)
by bayview
Wed Sep 21, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 11210

Re: Favorite Coffee

Does anyone here grind their own coffee? Of those that do, does anyone use a manual burr mill or simply an electric grinder? We grind our Peet's French Roast in an ancient Mr. Coffee electric grinder. The beans are really oily (that's why the coffee is so good), so I scrape it out every few days. I...
by bayview
Tue Sep 20, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: a car problem (Subaru)
Replies: 21
Views: 3434

Re: a car problem (Subaru)

The end of the story....the mechanic said that it was either a valve problem or a piston ring problem. The cost for fixing both is $4400 - Subaru has generously agreed to pay $3000 of the cost. I hope this will be the end of it. That's pretty remarkable. I would never have thought that a carmaker w...
by bayview
Fri Sep 16, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Refrigerator issues - Temperature & Other
Replies: 22
Views: 1704

Re: Refrigerator issues - Temperature & Other

OP, hope it works out for you, but if you have to replace it, you should check out French door refrigerators. The space problems of side-by-sides are eliminated, as both the fridge and freezer portions use the full width. I also like having the freezer on the bottom, so that the fresh food portion i...
by bayview
Thu Sep 15, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2757

Re: Will you delete the Stocks App from your iPhone?

I curently have an app container labeled "apple bloat" that I wouldn't mind deleting completely. The stocks app is definitely in that container. Me, too, except my container is labeled "Junk." :happy Mine is labeled "Crapple." :D I've never used the stock app, and it d...
by bayview
Wed Sep 14, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 11210

Re: Favorite Coffee

Peet's French Roast, yes even here in NC. :D We buy the whole bean version, storing the bag in the freezer, and then grind it each morning, which makes the house smell great. We brew it in a Bund brewer in a thermal carafe without a heating plate, so no burnt coffee. We used to do the French press t...
by bayview
Wed Sep 14, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 6689

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

We barely have more than $200 in our checking accounts at any given time. :D EVERYTHING goes into savings. If something comes up, we grudgingly pull it out from the savings. But we don't keep money unnecessarily in pitiful checking. I remember once finding an ATM slip at the local gas-beer-live bait...
by bayview
Mon Sep 12, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 7046

Re: Is anyone else feeling courageous enough to buy today?

Well I did it I bought all 5. I'm hoping I get at least a little cushion this week in case it starts bouncing around again or does the zigzag stuff. Up and down like the rollercoaster it's been the past month. Why would it matter if "it starts bouncing around again or does the zigzag stuff&quo...
by bayview
Mon Sep 12, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 7046

Re: Is anyone else feeling courageous enough to buy today?

Well I did it I bought all 5. I'm hoping I get at least a little cushion this week in case it starts bouncing around again or does the zigzag stuff. Up and down like the rollercoaster it's been the past month. Why would it matter if "it starts bouncing around again or does the zigzag stuff&quo...
by bayview
Mon Aug 29, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 68
Views: 5990

Re: Buying house near church

We once lived on post next door to the military chapel. The "bells" were electronic, and occasionally they would ring at 2 a.m. or so, right outside my parents' bedroom window. The chaplain received plenty of phone calls from my dad with some pretty unholy language. :D
by bayview
Sat Aug 27, 2016 8:15 am
Forum: Investing - Theory, News & General
Topic: My only fund not in the red today...how about you?
Replies: 23
Views: 2291

Re: My only fund not in the red today...how about you?

Just a downer day all across the board. My only fund not in the red is an emerging markets fund I am stubbornly holding onto until I've recovered my losses. Up 2 cents a share....I know just put it all in one fund and don't look. I can see why. 8-) Yep, mine too. The only thing up was G fund in my ...
by bayview
Thu Aug 25, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Question about employee development
Replies: 28
Views: 1560

Re: Question about employee development

I don't know how blunt you're allowed to be, but if you can be honest with him, I'd advise him to get to the nearest community college/ local college/ university and enroll (again) in Freshman Comp if he wants to remain employed, whether with you or anyone else. Maybe a technical writing course, dep...
by bayview
Thu Aug 25, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Using TSP Loan for Mortgage Down Payment?
Replies: 5
Views: 634

Re: Using TSP Loan for Mortgage Down Payment?

I don't think it's completely unreasonable, because your TSP allo is all G fund. I love the G fund and do pretty much the same myself, but its return is pretty low. (Worth it to me for the safety, but we're just talking return here.) Therefore, the usual argument against taking a 401k loan, where yo...
by bayview
Tue Aug 23, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 29
Views: 2590

Re: Rented a car on business, received a parking ticket 11 months later?

Hey All, I just received a "violation notice" from Avis for a trip to California I took about a year ago on business. The funny thing about this, I have pictures from that day and never parked anywhere I couldn't. Admittedly, the only thing I did was park in somebodies driveway (lol) on a...
by bayview
Tue Aug 23, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 7137

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

More seriously, I am still employed full-time while DH is retired (will be 67 in January.) I am perfectly happy with this arrangement, but I can't help being a bit envious - I wanna be retired too! But I will be retired in not quite 5 years (knock wood), so I grit my teeth and do my thing. I'm not ...
by bayview
Tue Aug 23, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 11944

Re: Anyone else getting nervous and converting to cash as a short-term move?

We have our first kid on the way, so I'm keeping more cash in savings in anticipation of hospital bills and whatnot. And that makes me nervous because I'm doing it instead of funding my Roth IRA this year. But at least we'll get the tax break. Go back and read through how much people were freaking ...
by bayview
Tue Aug 23, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 7137

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

I'd like to hear how that conversation goes. HE: Hey honey! Since my at-home business has slowed down, why don't we just say I "retired". Of course we need money to live on, so I think it would be safe if you just kept working...until you get enough Social Security for us to live off of. ...
by bayview
Mon Aug 22, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 56
Views: 6649

Re: Long wait on Vanguard Phone Lines-What's going on?

We generally do everything online, but sometimes there is no choice but to call (VG requirements.) I called twice a month ago, held for 20-30 minutes each time, and called back to take the option of them calling me. No return call either time. Actionable part: I don't plan to leave Vanguard, but I'm...
by bayview
Mon Aug 22, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 7190

Re: new potential tenants negotiating on rent

Yes i did, and a little more as she is moving in 10 days earlier, otherwise it was going to sit vacant. The manager will come by once a month to do yard maintenance. As homeowners who like to sit on our front porch of an evening, and who are forced to look at the high weedy grass of the rental acro...
by bayview
Fri Aug 05, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1390

Re: Heart rate monitors

Are you a professional athlete? Have a heart problem? I've gone my whole life without a HRM. Ran marathons, cycled century rides, climbed mountains. Keep it simple. Me too. Playing with data is fun though so I think about it from time to time. However, I can count my pulse for 15 sec and multiply b...
by bayview
Fri Aug 05, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Appealing out of network medical bill while on vacation
Replies: 18
Views: 1748

Re: Appealing out of network medical bill while on vacation

I agree with waiting it out. Out-of-network companies do not have to balance bill. Agree. You may see several months' worth of bills, with fees tacked on each month. It will probably die off once the insurance has finally settled down. However, if you don't already, I would subscribe to a credit mo...
by bayview
Wed Aug 03, 2016 5:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205164

Re: What are you up YTD? [Year To Date]

Bacchus01 wrote:Somewhere around 20% using Beardstown Ladies.

About half of that is portfolio growth. Call it 10%.

Sounds about right.

:D
by bayview
Wed Aug 03, 2016 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Marriage, budgeting, and taxable accounts
Replies: 41
Views: 3042

Re: Marriage, budgeting, and taxable accounts

Play money? His? Hers? Are we talking about marriage? Joint? as in Jim and Jane Doe JTWROS? (joint tenants with right of survivorship). Play money - hmm? how about this system instead; anything over a set dollar limit you check with each other before you spend it, otherwise just consider it to be p...
by bayview
Tue Aug 02, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205164

Re: What are you up YTD? [Year To Date]

Trailing portfolio return (time-weighted return, comparable return) Portfolio return as of 7/31/16 1 month 1.70% 3 months 2.64% 6 months 6.46% YTD 4.27% 1 year 1.70% 3 years* 4.61% 63.6% bonds - all Treasuries, mostly G fund, the rest VG Treasury funds 29.0% US stock - approximately broad US market ...
by bayview
Mon Jul 25, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 7277

Re: Car totaled, no collision insurance

I think you are in a legally dangerous situation. Does your insurance company know that two of your cars are being operated by your adult daughters in another state? Your cars they are driving may not be rated properly for the risk. If one of them is in an accident, your insurance company could can...
by bayview
Sun Jul 24, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: What is this strange piece of scientific glassware?
Replies: 46
Views: 4943

Re: What is this strange piece of scientific glassware?

Epsilon Delta wrote:...It's hard to overstate how casually people used to handle mercury. Kids would pour in onto a table and chase it around for amusement...

Were you in tenth-grade chemistry with me, 1969? :D
by bayview
Wed Jul 20, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Boss cutting salary in response to employee not doing "job"
Replies: 78
Views: 9376

Re: Boss cutting salary in response to employee not doing "job"

...She plans on quitting next time her boss is overseas (her boss is in the US now, which makes it even worse)... :shock: :shock: :shock: Regardless of the merits of her complaints against her boss, quitting like that, in my opinion, would show a complete lack of class. +1,000 In the South, we call...
by bayview
Tue Jul 19, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 36
Views: 2342

Re: Kitchen Faucet & Sink recommendations?

We installed a Kraus 36 inch single bowl apron front sink last year during our kitchen gut job, and I want to hug it every time I walk by: https://www.amazon.com/gp/product/B003XI5FL0/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 It's large enough to wash a grandchild, if ever we have one, or faili...
by bayview
Fri Jul 15, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3755

Re: Raising a reader

The main thing we did is to read to them every night before bed. You can start now with simpler books and then work your way up. My renditions of Hop on Pop and Green Eggs and Ham were highly regarded back in their day. +1 Oh, Lordy, how many times did I read Fox in Socks... "AND... "When...

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